Can the house be sold after 30 years of living

1. Houses that have not obtained the house ownership certificate in accordance with the law.

2. Houses that only have the right to use, such as public housing directly managed by the Housing Authority.

3. Houses identified as dilapidated houses; Houses purchased at the standard price, and the remaining price has not been made up at cost price, and the transition to full ownership.

4. Houses built on rural collective land.

5. Houses that have been included in the scope of the demolition notice.

6. The house with common ownership, and the house with which the other co-owners do not agree.

7. Houses with disputed ownership.

8. The house has been mortgaged and has not been approved in writing by the mortgagor.

9. Houses that have been sealed, seized, or otherwise restricted from the transfer of ownership in accordance with law.

10. The house has been leased to another person, and the seller fails to notify the lessee in accordance with the regulations, infringing on the rights and interests of the lessee, such as the right of first refusal.

11. Other circumstances where laws and administrative regulations prohibit transfer.

You can sell it, but you can't apply for a mortgage loan for a second-hand house.

Second-hand mortgage loans, generally speaking, have these restrictions:

Property right certificate: commercial housing that has obtained real estate ownership certificate, or commercial housing that can immediately obtain real estate ownership certificate and move in;

Age: Ordinary housing not more than 20 years old and other properties not more than 15 years old;

Loan-to-value ratio: up to 8% for ordinary housing and up to 6% for other properties;

Loan term: The sum of the useful life and loan term of ordinary housing shall not exceed 30 years, and the sum of the useful life and loan term of other properties shall not exceed 20 years (and the loan term shall not exceed 10 years); The sum of the loan term and the actual age of the borrower shall not exceed 65 years old.

Interest rate options vary from person to person: People with stable incomes and high monthly incomes can consider choosing a fixed interest rate because they will not be affected by interest rate hikes in the future. However, if it is a class with a stable job but a low income, such as teachers, university professors, civil servants, etc., it is recommended to choose floating interest rate, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.

Proof of income and ability to repay: When the bank approves the loan, the borrower will be required to provide proof of income. If the applicant is married and a person's income certificate is less than their monthly payment, both husband and wife can apply for a loan by issuing an income certificate at the same time, and the bank can also approve it if the conditions are met.

In particular, there are some second-hand houses that cannot be loaned, such as relocation housing, resettlement housing, public housing, enterprise housing, small property rights housing and other second-hand houses with incomplete property certificates can not be loaned. When choosing a house, you must pay attention to whether the house has a title certificate.

The house cannot be bought or sold until 2 years have passed. After the real estate bureau for the record, the real estate bureau for the record after the transfer, the procedures are troublesome, at this time, the transaction, not only need to pay taxes to transfer, such as less than 5 years of transfer, will increase the punitive tax, so that the tax doubled. If you are in the period of paying the mortgage, then you need to do the necessary work and buy according to the normal process of buying and selling a second-hand house.

Legal basis: Civil Code of the People's Republic of China

Article 210 The registration of immovable property shall be handled by the registration authority at the place where the immovable property is located. The State implements a unified registration system for immovable property.

Article 465:Contracts established in accordance with law are protected by law.

A contract established in accordance with law shall only be legally binding on the parties, unless otherwise provided by law.

Article 466:Where the parties have a dispute over the understanding of the terms of the contract, the meaning of the disputed clause shall be determined in accordance with the provisions of the first paragraph of Article 142 of this Law.

If the contract text is concluded in two or more languages and it is agreed that it has the same effect, the words and phrases used in each text are presumed to have the same meaning. Where the words and phrases used in each text are inconsistent, they shall be interpreted in accordance with the relevant terms, nature, purpose, and principle of good faith of the contract.

[Calculate how much it will cost you to renovate your home].

In addition to paying attention to housing prices, room types, locations, surrounding facilities, etc., the age of the house is also a place that needs to be paid attention to. So, let's take you to understand whether a 20-year-old house is still worth buying and what is the impact of being too old.

Is it still worth buying a 20-year-old house?

There is no value in buying a 20-year-old house, although the basic equipment in all aspects is better than some new urban areas, but after all, this area has been developed for 20 years, the house will definitely be more dilapidated, the environment is relatively poor, and there are certain safety hazards. At the same time, the loan is also a big problem, because the age of the house is too long, if you apply for a loan, many banks will not approve it, so it is not recommended to buy.

What is the effect of being too old?

1. The age of the house is the most likely to affect the land use period, according to the current law, the land use life of ordinary residential buildings is usually 70 years, and the time is calculated from the day the developer takes the land, that is to say, the longer the house is the shorter the service life.

2. The old house has an impact on the future development space of the real estate, most of the houses were built in the urban area in the early days, and the surrounding supporting facilities are very perfect, and the house price has naturally risen to a certain extent, and there is no room for development and rise.

3. The age of the house will also have an impact on the housing loan, because the law stipulates that the second-hand housing loan needs to be determined according to its service life, usually the older the house, the shorter the loan term, and the more housing maintenance fees to be paid, the maintenance cost has become higher, and the purchase of the house will naturally become higher.

Article summary: The above is about whether a 20-year-old house is still worth buying and what is the impact of being too old, I hope it will help you. If you want to know more about it, please stay tuned to Qeeka Home.

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Dear, hello, I am happy to answer for you, the house has not been transferred for 30 yearsAnswer: The house bought has not been transferred does not affect the validity of the house sale contract, it is still valid from the beginning, and both parties should perform their obligations in accordance with the contract. According to the "Property Law" and the "Regulations on Real Estate Registration", the transfer of second-hand housing is a change of registration, and it is necessary to apply to the local real estate registration center for change, and the required materials are:

1) Application for registration; (2) Identification materials and power of attorney of the applicant and ** person; (3) Relevant real estate ownership certificates, registration reason certificates, and real estate ownership certificates; (4) Materials such as the site, spatial boundaries, and area of immovable property; (5) Explanatory materials on the interests of others; (6) Other materials provided for in laws, administrative regulations, and detailed rules for the implementation of this article.